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Empower Your Financial Future

Financial Literacy Programs

Discover a world of opportunities to enhance your financial knowledge and skills. In collaboration with esteemed partners, Habitat for Humanity proudly presents an array of financial literacy programs designed to pave your way to financial independence and informed homeownership.

Overview of programs

Unlock Your Path to Financial Literacy with Habitat for Humanity.

Discover a world of opportunities to enhance your financial knowledge and skills. In collaboration with esteemed partners, Habitat for Humanity proudly presents an array of financial literacy programs designed to pave your way to financial independence and informed homeownership.

Financial Literacy Programs & Resources

Money Smart for Young Adults (FDIC)

 Two topics are covered once a week during 4-hour classes over a 6-week period.

These classes/courses will be held in the Perdue Family Wealth Building Center located at HFHWC, 105 N. Dulany Ave., Fruitland, MD 21826.

This course covers the following topics:

  • Banking
  • Setting Goals and Making Financial Decisions
  • Making the Most of Your Income
  • Spending and Savings Plan
  • Saving for goals and the future
  • Building credit
  • Borrowing
  • Credit Cards
  • Protecting your money and identity
  • Buying a car
  • Paying for Education and Training
  • Living on your own

Money Smart for Adults (FDIC)

 Two topics are covered once a week during 4-hour classes over a 7-week period.

These classes/courses will be held in the Perdue Family Wealth Building Center located at HFHWC, 105 N. Dulany Ave., Fruitland, MD 21826.

This course covers the following topics:

  • Money Values and Influences
  • Banking
  • Income and Expenses
  • Spending and Savings plans
  • Savings
  • Credit Report and Scores
  • Borrowing
  • Managing Debt
  • Using Credit Cards
  • Building a Financial Future
  • Protecting your Identity and Other Assets
  • Making Housing Decisions
  • Buying a Home
  • Disasters – financial preparation and recovery

Money Smart for Older Adults (FDIC & CFPB)

This course is designed to raise awareness among older adults and their caregivers on how to prevent fraud, scams, and other elder financial exploitation. This course also encourages advanced planning and informed financial decision-making.

Two topics are covered once a week during 3-hour classes over a 5-week period.

These classes/courses will be held in the Perdue Family Wealth Building Center located at HFHWC, 105 N. Dulany Ave., Fruitland, MD 21826.

This course covers the following topics:

  • Overview of financial exploitation and how to report incidents
  • Common types of elder financial exploitation
  • Investment Fraud
  • Avoiding Telephone and Internet Scams
  • Avoiding Charity Scams
  • Computer-Internet Scams
  • Identity Theft and Medical Identity Theft
  • Planning for Unexpected Life Events
  • Scams that target homeowners
  • Scams that target Veterans

Homeownership Program Information Session

Virtual Zoom Sessions

Are you interested in learning more about our Home Ownership Program? Take the first step in our Home Ownership Program process and join us online for this no-cost virtual information session.

Upcoming Financial Literacy Classes

Register for an Upcoming Financial Literacy Program Class

Unlock Your Path to Financial Literacy with Habitat for Humanity.

Discover a world of opportunities to enhance your financial knowledge and skills. In collaboration with esteemed partners, Habitat for Humanity proudly presents an array of financial literacy programs designed to pave your way to financial independence and informed homeownership.

Financial Literacy Programs & Resources

Teach the to Fish

The “Teach Them To Fish” program focuses on financial literacy and homeownership through an introductory seminar followed by 7 weeks of classes. It offers personalized instruction, one-on-one coaching, and mentoring, utilizing Freddie Mac’s CreditSmart® as its primary text, alongside “The Power of Positive Thinking” and “The Richest Man in Babylon”. The program, founded by Edward S. Lee, a Realtor® with 12 years of experience, aims to assist individuals and families in overcoming challenges related to bad credit and the home buying process. The service is free, with no obligations.

Salisbury Neighborhood Housing Services

Salisbury Neighborhood Housing Services offers comprehensive educational programs for prospective homeowners, including Homebuyer Education Training and Post Purchase Workshops. These programs, designed to guide individuals through the A-Z of homeownership, are facilitated by HUD Certified Housing Counselors and industry professionals. The curriculum covers both pre-purchase and post-purchase topics, aiming to prepare customers for the responsibilities of homeownership and the financial challenges it might bring. Additionally, an online class option is available for those unable to attend in person.

FDIC's Money Smart Program

The FDIC’s Money Smart for Adults program is an instructor-led curriculum designed to equip participants with practical knowledge and skills to manage their finances confidently. It features 14 modules covering essential financial topics, offering a blend of information, interactive exercises, and realistic scenarios to enhance financial literacy. The program aims to make financial education accessible and relevant, including for individuals with disabilities, and provides a variety of tools and resources to support learning and application in real-life contexts.

"Money and Mindset" Blog by Truist

Life can get real. But through all the challenges and triumphs, one of your greatest powers is caring enough to make the most of every moment. When you’re ready to take on whatever comes your way, it feels good—so use these tips and tools to get your money and mindset right for your next chapter and thrive through every moment.

The “Money and Mindset” financial blog by Truist focuses on empowering individuals to manage their finances effectively through life’s various stages and challenges. It offers resources, tools, and insights to help users take control of their money, covering topics like budgeting, saving, borrowing for significant purchases, and navigating life events such as marriage or starting a family. The blog aims to foster a positive financial mindset, providing practical advice to thrive financially in every life moment.

Back on Your Success Workbooks

Download Back on Your Success workbooks in English, Haitian, Creole, and Spanish.

Dave Ramsey Program

The Habitat for Humanity of Wicomico County introduces a financial well-being initiative focusing on Dave Ramsey’s Financial Peace University.

This program aims to empower families to achieve debt-free living, emphasizing budgeting, debt reduction through the “snowball effect,” and the importance of saving. Highlighting practical steps like establishing an emergency fund, eliminating credit card debt, and planning for future financial goals, the initiative fosters financial literacy and independence. Participants also learn the value of giving back once they achieve financial freedom, making this a comprehensive journey towards fiscal health and community contribution.

Get Matched with a Financial Literacy Program

Find Your Financial Freedom with Habitat for Humanity

Empower Your Financial Journey.

Navigating your financial future can be daunting, but you don’t have to do it alone. Habitat for Humanity is here to connect you with financial literacy programs tailored to your needs, helping you build a stronger, more secure financial future.

Step One

Online Financial Program Match Tool

Take our brief quiz to get help our Habitat Financial Resource Advisors match you with a program that's a good fit for your unique situation. Our advisors will help connect you with a program partner and financial resources that align with your financial goals.

Get Matched with a Program

Take this Free Financial Literacy Test

Step 1 of 3

How often can you check your credit report for free?(Required)

Meet the Families & Hear How these Programs Transformed their Lives

Every home has a story, and every story is a cornerstone of our community. Discover the heartwarming journeys of families whose lives have been transformed through Habitat for Humanity’s home building and repairing efforts.

Program Gallery

Collaborators & Supporter of these Programs

Through your support and collaboration, our mission is possible.

Collaborators & Supporters​

Through your investment and collaboration, our mission is possible.

Alexandra Frey

Alfred and Ruth Beattie

American Bail Services, LLC

Andrea Wisner

Ani Mathers

Anne Morris

Anonymous Donor

Apostle Expert Exteriors

Avery Hall Insurance

AWB Engineers

Bagel bakery Cafe

Becker Morgan Group

Benita Harris

Beshara Helou

Beth and John Sharpley

Brenden Frederick

Caliber Collision

Cape Auto Performance

CFS Retirement & Tax Solutions

Chris Eccleston

Christ United Methodist Church

Christopher Miles

Cindy and Robert Tardiff

Coastal Life Reality Group

Darcy Bunting

David Sciortino

Dawit Demissie

Delaware Elevator

Dennis Rice

Discount Carpet Pro Floor Systems Rolo Inc.

Don Bailey

Elizabeth and Garrett Layton

Elizabeth Wootten

Galaxy Gymnastics LLC.

Gillis Gilkerson Inc.

GiveSendGo, LLC

Global Home

Goosehead Insurance

Gregory and Kimberly Ferrier

Haley Brow

Hamilton Morgan

Hank Yuloff

High Tech Inspections

Jackie and Joe Gast

Jacob and Amy Bechard

James and Jan Perdue

James Cockey

Jeffrey and Leslie Michalik

Jeffrey and Patricia Vivalo

Jennifer Lefebvre